Side-by-side · Q2 2026 data
First American Bank and Trust Company vs First Century Bank, National Association
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | First American Bank and Trust Company | First Century Bank, National Association |
|---|---|---|
| TellerScore | 86 | 90 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 99 (stronger) | 86 |
| Funding & liquidity | 44 | 50 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 90th | 95th |
| Total assets | $901.9M | $831.6M |
| Deposits / shares | $753.2M | $693.2M |
| Capital ratio | 13.34% | 16.84% (stronger) |
| Problem loans | 0.00% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.98% (stronger) | 1.64% |
| Loans ÷ deposits | 93.1% | 20.3% (stronger) |
| Uninsured deposits | 36.3% (stronger) | 67.6% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
First Century Bank, National Association has the higher TellerScore (90 vs 86). On the 6 directional measures above (where higher or lower is clearly better), First American Bank and Trust Company leads on 2 and First Century Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.